Try and practice the latest Insurance Licensing : PA-Life-Accident-and-Health real questions & answers
Updated: Sep 02, 2026
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Insurance Licensing PA-Life-Accident-and-Health Exam Overview:
| Certification Vendor: | Pennsylvania Insurance Department |
|---|---|
| Exam Name: | Pennsylvania Life, Accident and Health Insurance Agent Examination |
| Exam Number: | PA-Life-Accident-and-Health |
| Related Certifications: | Pennsylvania Insurance Producer License - Life, Accident and Health |
| Real Exam Qty: | 150 |
| Passing Score: | 70% |
| Exam Duration: | 170 minutes |
| Available Languages: | English |
| Exam Format: | Multiple-choice |
| Sample Questions: | Insurance Licensing PA-Life-Accident-and-Health Sample Questions |
| Exam Way: | Computer-based testing available at PSI test centers across Pennsylvania and via PSI Bridge online proctoring for eligible candidates. |
| Pre Condition: | Completion of a state-approved pre-licensing course (24 hours for Life, Accident and Health combined) is required before taking the exam. Fingerprinting and background check are also required for initial licensing. |
| Official Syllabus URL: | https://www.psiexams.com/test-takers/pa-ins-exam |
Insurance Licensing PA-Life-Accident-and-Health Exam Syllabus Topics:
| Section | Weight | Objectives |
|---|---|---|
| Topic 1: Health Insurance Basics | - Policy provisions and riders - Social insurance - Disability income insurance - Health insurance concepts - Medical expense insurance | |
| Topic 2: Pennsylvania Statutes, Rules and Regulations Common to Life, Accident and Health | 30% | - Penalties and offenses - Unfair trade practices - Licensing requirements - Agent conduct and trade practices - Pennsylvania Insurance Department |
| Topic 3: Life Insurance Policies | 11% | - Specialized policies - Term life insurance - Group life insurance - Whole life insurance - Flexible premium policies |
| Topic 4: Individual Health Insurance Policy General Provisions | - Uniform required provisions - Other provisions - Optional provisions | |
| Topic 5: Insurance Regulation | 8% | - State regulation - Federal regulation - Licensing |
| Topic 6: Specialized Health Insurance for Qualified Individuals | - Medicare - HIPAA - Medicaid - Long-term care insurance | |
| Topic 7: Annuities | - Annuity products - Annuity principles and concepts - Annuity taxation | |
| Topic 8: Life Insurance Basics | 8% | - Business uses of life insurance - Premiums - Individual underwriting by the insurer - Determining amount of personal life insurance - Personal uses of life insurance - Differences in life insurance policies - Insurable interest - Factors in premium determination - Licensee responsibilities |
| Topic 9: Group Health Insurance | - Group health insurance plans - Group health insurance provisions - Group health insurance concepts | |
| Topic 10: General Insurance | 6% | - Contracts - Insurers - Concepts - Agents and general rules of agency |
Insurance Licensing Pennsylvania Life, Accident and Health Sample Questions:
Question 1
Which rider includes coverage for the insured's spouse and children?
A. Jumping juvenile
B. Family
C. Payor benefit
D. Guaranteed insurability
Question 2
All of the following statements apply to the child coverage in a family policy EXCEPT
A. coverage applies only to children born before the policy is issued.
B. children are covered until reaching a specified age.
C. child coverage is convertible to whole life coverage.
D. child coverage is term insurance.
Question 3
An insured has a 20-pay life policy with a paid-up dividend option. In this option, the insured may
A. waive premium payments until the policy has accumulated enough cash values to pay it up for 20 years.
B. pay up the policy early by using policy dividends.
C. use policy dividends to reduce the premium after 20 years.
D. pay up the policy early by using accumulated cash values.
Question 4
An insurance producer is appointed to transact insurance on behalf of
A. the appointing insurer.
B. all insurers.
C. the Insurance Commissioner.
D. the Commonwealth of Pennsylvania.
Question 5
An illness or disease which is first diagnosed and treated while the policy is in force is considered
A. a sickness.
B. an accidental injury.
C. a preexisting condition.
D. an exclusion.
Solutions:
| Question 1 Answer: B | Question 2 Answer: A | Question 3 Answer: B | Question 4 Answer: A | Question 5 Answer: A |
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